Is The 4 Percent Rule Really Dead?

Since the 4 Percent Rule for retirement income was first worked out in 1994, a tonne of variations to the rule have sprung up, with people now wondering if the 4% Rule is in fact, dead. Now that inflation is running at 9% and rising, and stock market returns are forecast to be low for the next decade, it’s sensible to question how a retiree could hope to keep ahead when real investment returns (after deducting inflation) are now likely to be negative. Yet still, there’s hope. The 4 Percent Rule was basic in its approach to retirement, looking only at the movements of the markets and not at the wider financial circumstances of real people. There are a number of factors not considered by the rule that make a 4% withdrawal rate seem, if anything, too stingy. What are these? Let’s check it out! 💲 Stake offer of a FREE STOCK worth up to $150 for UK viewers (T&Cs Apply, Capital At Risk): https://moneyunshackled.com/offers-an... 💲💲💲 All offers listed on MU offers page: https://moneyunshackled.com/offers-an... ============================================================================================================ Get a roundup of the recent investing news, along with our top tips! 👉 Join The MU Newsletter Here: https://moneyunshackled.com/newsletter/ Subscribe to Money Unshackled Here: https://www.youtube.com/c/MoneyUnshac... ============================================================================================================ OFFERS & REFERRALS: 💲💲💲 All offers listed on MU offers page: https://moneyunshackled.com/offers-an... There you'll find the latest offers such as: Free shares worth up to £200 with investment platforms from the likes of Trading 212, Freetrade, Stake, InvestEngine, and Orca. -£50 to £100 bonuses with P2P Lending Platforms from the likes of Assetz Capital, Loanpad, easyMoney, ablrate, plus many more. Robo-Investing offers from the likes of Nutmeg, InvestEngine, Moneyfarm and Wealthify. Free Trial and Discounts of 25% on Stock Data, Ranks, Reports & Screening from Stockopedia Check the website out for the latest offers: https://moneyunshackled.com/offers-an... When you invest, your capital is at risk. ============================================================================================================ 👉 Our Favourite Premium Investment Platform: https://bit.ly/2XyV5M6 ^ 👉 Best Investment Platforms: https://moneyunshackled.com/best-inve... ^ we get a small commission when you open an account using this link at no additional cost to you. Thanks to anyone who uses it! ============================================================================================================ FAVOURITE BOOKS: All our favourite books can be found at: https://moneyunshackled.com/top-books/ Regularly updated with latest must reads, so check it out. ============================================================================================================ Visit the website: https://www.MoneyUnshackled.com Money Unshackled on Social Media:   / moneyunshackled     / moneyunshackled     / unshackledmoney   ============================================================================================================ T&Cs: These videos are provided for information and entertainment purposes only. The content is not intended to be a personal recommendation to buy or sell any financial instrument or product, or to adopt any investment strategy as it is not provided based on an assessment of your investing knowledge and experience, your financial situation or your investment objectives. The value of your investments, and the income derived from them, may go down as well as up. You may not get back all the money that you invest. The investments referred to in this video may not be suitable for all investors, and if in doubt, an investor should seek advice from a qualified investment adviser.